PM Skills is a collection of plain-Markdown instructions that teach AI assistants structured methods for handling professional, personal, and life-admin tasks. People use it with Claude, ChatGPT, Gemini, Cursor, Codex, and other supported agents for work such as writing product requirements, reviewing documents, or planning difficult situations.
Getting it into your agent
It runs from inside its repository, so the clone comes first — what it calls does not travel with the file alone.
git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skillsnpx agentmods add rules/mohitagw15856/pm-claude-skills/debt-payoffWrote this? Show the measurements
A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.
[](https://agentmods.dev/rules/mohitagw15856/pm-claude-skills/debt-payoff)<a href="https://agentmods.dev/rules/mohitagw15856/pm-claude-skills/debt-payoff"><img src="https://agentmods.dev/badge/rules/mohitagw15856/pm-claude-skills/debt-payoff/github.svg" alt="Measured on agentmods" height="20"></a>Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.
<a href="https://agentmods.dev/rules/mohitagw15856/pm-claude-skills/debt-payoff"><img src="https://agentmods.dev/badge/rules/mohitagw15856/pm-claude-skills/debt-payoff.svg" alt="Reviewed on agentmods" width="80" height="20"></a>What it costs to keep this loaded
Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.
| Model | Per session | Once invoked |
|---|---|---|
| Fable 5.1 | $0.00115 | $0.01219 |
| Opus 5 | $0.00057 | $0.00609 |
| Sonnet 5 | $0.00023 | $0.00244 |
| Haiku 4.5 | $0.00012 | $0.00122 |
Grade B, and why
debt-payoff scanned grade B with 1 finding against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 9d ago.
A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.
Strips warnings and disclaimersmediumAnti-refusal
Omitting safety caveats hides risk from the user and is a common jailbreak preamble.
- [ ] Do not preach avalanche when the difference is trivial — momentum is worth $40 How it starts
The opening of the file, as written. The whole thing — 80 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Debt Payoff Skill
The avalanche-vs-snowball debate has a correct answer (avalanche, arithmetically) and a true objection (plans people abandon save nobody anything) — and the only honest way to weigh them is to price the difference on the actual debts. Sometimes morale costs $40; sometimes it costs $4,000. This skill runs both strategies month by month with the script, shows what choosing early wins actually costs, and builds the plan around the constraint that matters most: it has to survive contact with a real budget.
What This Skill Produces
- The head-to-head — debt-free date and total interest for avalanche and snowball, simulated on the real debts
- The payoff order — which debt dies when, under the chosen strategy
- The morale price tag — what snowball's early wins cost in interest, in dollars, so the choice is informed
- The survival rules — minimum-viable version for bad months, and the windfall protocol
Required Inputs
Ask for these if not provided:
- Every debt — name, balance, APR, minimum payment; the plan is only as real as this list (and finding a forgotten debt later breaks more than math)
- The extra amount — monthly money beyond the minimums, the honest number; zero is an answer that changes the conversation to budget or income first
- Any special terms — promotional 0% windows ending (a deferred-interest cliff outranks every APR), variable rates, loans with payoff penalties (rare, but ask)
- The track record — have they started and abandoned plans before? It weighs the morale argument with evidence instead of vibes
Programmatic Helper
python3 scripts/debt_payoff.py --debt "visa:9000:24.9:180" --debt "loan:3000:6:60" --extra 200
python3 scripts/debt_payoff.py --debt "a:2000:19:50" --debt "b:9000:6:180" --extra 150 --json
Deterministic month-by-month simulation: interest accrues, minimums are paid, the surplus cascades onto the strategy's target debt, and freed-up minimums roll forward. Fixed APRs, on-time payments, no new charges — the assumptions are printed with the result.
What this file has done since we first saw it
Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.
- 9d ago First seen · 80 lines · 115 tokens per session scan B ab296f81a884
debt-payoff is a cursor rule published in the GitHub repository mohitagw15856/pm-claude-skills (1,357 stars, last pushed yesterday), licensed MIT. It adds 115 tokens to every session and 1,219 once invoked, about $0.0006 per session on Opus 5. A static security scan graded it B with 1 finding (strips warnings and disclaimers). No closer match exists in the catalogue, so it is treated as the original; first seen 2026-09-03.
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